Thank you for taking the time to review some important information on e-fraud schemes that are out on the Internet. On this page you will find information on two relatively popular schemes called
.
The Internet has proven to be a useful tool for accessing traditionally brick-and-mortar only businesses. This has led to innovations such as online banking and asset management. Unfortunately, schemes have been devised to direct a legitimate web address to a fraudulent web site, an act given the name "Pharming". Technically, pharming exploits a vulnerability in DNS server software the enables redirection of a web site's traffic to another web site.
Pharming: What does it look like?
Because pharming will look very close to the web site it is trying to copy, there are only a few things to look for:
- Uncharacteristic changes in the banks website
- After logon, the lack of the "S" on HTTPS in the "Address" text box and lack of a padlock at bottom of your browser which indicates a secure session
Phishing: What is the threat?
Email is a very convenient form of communication, however, schemes have been devised to take advantage of this medium. A popular form of email fraud is called "Phishing". Phishing is the practice of luring unsuspecting Internet users to a fake Web site by using an authentic-looking email in an attempt to steal passwords, financial or personal information, or introduce a virus attack.
Phishing: What does it look like?
Typically phishing emails will have one or more of the following attributes:
- Address you in general terms such as "Dear Customer"
- Contain a non-specific subject such as "Peoples' Bank Notice"
- Mention that your account has had some type of unusual activity recently
- Require you to click on a link to another web site to correct the problem
- Require expedited action
What can I do to protect myself?
- Educate yourself by visiting some of the links in the "Further Education Resources" section below
- Keep your anti-virus software up to date
- Ensure your computer system has a firewall properly installed
- Report suspicious-looking emails to us at (806)794-0044
- Review your account statements for accuracy and notify us if you see suspicious activity
- File a cyber-crime complaint with the Internet Crime Complaint Center (IC3). The IC3 is a Partership between the FBI, National White Collar Crime Center and the Bureau of Justice Assistance to receive, develop and refer cyber crimes. Internet Crime Complaint Center
Further Education Resources
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